MHP Gold
Gold · HMO · McLaren Health Plan Community · Michigan
At age 40 it costs between $638.86 and $871.48 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 74917MI0020006 |
|---|---|
| Insurer | McLaren Health Plan Community |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $2,100 |
| Deductible (family) | $4,200 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,000 |
| Family maximum | $16,000 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | $300 |
| Inpatient stay | 20% Coinsurance after deductible |
| Generic drugs | $10 |
| Preferred brand drugs | $75 |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 99.96% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-327-0671 · TTY 1-800-356-3232 |
Where it is sold, and what it costs there
60 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Clinton County | $499.89 | $567.38 | $638.86 | $892.81 | $1,356.71 |
| Eaton County | $499.89 | $567.38 | $638.86 | $892.81 | $1,356.71 |
| Hillsdale County | $499.89 | $567.38 | $638.86 | $892.81 | $1,356.71 |
| Ingham County | $499.89 | $567.38 | $638.86 | $892.81 | $1,356.71 |
| Jackson County | $499.89 | $567.38 | $638.86 | $892.81 | $1,356.71 |
| Genesee County | $510.52 | $579.44 | $652.44 | $911.79 | $1,385.55 |
| Lapeer County | $510.52 | $579.44 | $652.44 | $911.79 | $1,385.55 |
| Saint Clair County | $510.52 | $579.44 | $652.44 | $911.79 | $1,385.55 |
| Shiawassee County | $510.52 | $579.44 | $652.44 | $911.79 | $1,385.55 |
| Arenac County | $534.27 | $606.40 | $682.80 | $954.21 | $1,450.02 |
| Bay County | $534.27 | $606.40 | $682.80 | $954.21 | $1,450.02 |
| Gratiot County | $534.27 | $606.40 | $682.80 | $954.21 | $1,450.02 |
| Huron County | $534.27 | $606.40 | $682.80 | $954.21 | $1,450.02 |
| Saginaw County | $534.27 | $606.40 | $682.80 | $954.21 | $1,450.02 |
| Sanilac County | $534.27 | $606.40 | $682.80 | $954.21 | $1,450.02 |
| Tuscola County | $534.27 | $606.40 | $682.80 | $954.21 | $1,450.02 |
| Alcona County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Alpena County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Antrim County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Benzie County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Charlevoix County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Cheboygan County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Crawford County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Emmet County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Grand Traverse County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Iosco County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Kalkaska County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Leelanau County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Manistee County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Missaukee County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Montmorency County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Ogemaw County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Oscoda County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Otsego County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Presque Isle County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Roscommon County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Wexford County | $542.35 | $615.57 | $693.12 | $968.64 | $1,471.94 |
| Macomb County | $552.61 | $627.21 | $706.24 | $986.96 | $1,499.79 |
| Oakland County | $552.61 | $627.21 | $706.24 | $986.96 | $1,499.79 |
| Allegan County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Barry County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Calhoun County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Clare County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Gladwin County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Ionia County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Isabella County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Kalamazoo County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Kent County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Lake County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Mason County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Mecosta County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Midland County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Montcalm County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Newaygo County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Osceola County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Ottawa County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Saint Joseph County | $631.53 | $716.79 | $807.10 | $1,127.92 | $1,713.98 |
| Livingston County | $681.91 | $773.97 | $871.48 | $1,217.89 | $1,850.70 |
| Washtenaw County | $681.91 | $773.97 | $871.48 | $1,217.89 | $1,850.70 |
| Wayne County | $681.91 | $773.97 | $871.48 | $1,217.89 | $1,850.70 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.